A large trailing ballute has the advantage that it can de-orbit large payloads with minimal protection as the slow down happens higher up in the atmosphere and most of the effects are on the trailing ballute rather than the payload. Page on nasa.gov
"American manned rescue spacecraft. Study 1966. The Rockwell SAVER concept provided return of a single crew member in his ejection seat. A nosecap only the size of the seat absorbed most of the re-entry heat.The rest was dissipated through a huge inflatable balloon deployed from the seat. " SAVERSee also Paracone/MOOSE/SAVER/AIRMAT: Escape Pods from Orbit